95 Photine Dr, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 95 Photine Dr, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,694 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (Sep 2001)
Tax Bill	$6,515 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P11500`

Property Details

APN / Parcel Number

Primary APN	`P11500`
Alternative APNs	`LOWE M:40 B:4637 L:95` `M:000040 T:P11500`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,694 sqft Living Area
Gross Area	3,646 sqft
1st Floor Area	792 sqft
Attic	Attic
Attic Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	P11500
Street Address	95 PHOTINE DR
City	LOWELL
State	MA
Zip	01854-1262
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Subdivision	NEWBRIDGE ESTATES PH IIB
Legal Block	4637
Legal Lot Number	95
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	310601

Owner

95 Photine Dr is owned and occupied by two individuals who bought it in September 2001.

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	95 PHOTINE DR, LOWELL, MA 01854-1262
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage FIGURE LENDING LLC
Feb 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MILEND INC
Oct 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage MILEND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2001 · Amount on File
Deed Sale	Sep 4, 2001 · Amount on File
Prior Sale	Aug 31, 1999 · Amount on File
Deed Book / Page	12071 / 44
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	95 PHOTINE DR, LOWELL, MA 01854-1262
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039905-244
Date	Mar 6, 2026
Book Page	39905/244
Instrument	6743

Lender

Name	FIGURE LENDING LLC

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	95 PHOTINE DR, LOWELL, MA 01854-1262
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33861-177
Date	Feb 25, 2020
Book Page	33861/177
Instrument	8261

Lender

Name	MILEND INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	95 PHOTINE DR, LOWELL, MA 01854-1262
Document Number	32558-227
Instrument Date	Oct 24, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 PHOTINE DR LOWELL MA 018541262, LOWELL, MA 01854-1262

Mortgage

Document Number	32558-227
Date	Nov 13, 2018
Book Page	032558/000227
Instrument	49514

Lender

Name	MILEND

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 95 Photine Dr was $6,515, up 6.1% from the year before.

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Lowell City
Unified School District	Lowell School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,515.00 (+6.07%)	$574,000 (+7.29%) Land $191,300 Building $382,700	$606,496 (+5.77%)
2025	$6,142.00 (-1.46%)	$535,000 (+2.24%) Land $178,800 Building $356,200	$573,420 (-0.18%)
2024	$6,233.00 (+5.77%)	$523,300 (+10.28%) Land $167,100 Building $356,200	$574,465
2023	$5,893.00	$474,500 Land $145,300 Building $329,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 95 Photine Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1981–2008)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Feb 2008 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 95 Photine Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOWELL REGIONAL WATER UTILITY serves 120,418 people · EPA ID MA3160000
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2017
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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